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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: With the Canadian dollar down what areas do you feel benefit-any specific canadian stocks for example.
Read Answer Asked by terrance on January 12, 2014
Q: Hello Peter and Associates, I plan to sell my shares on IMO, COS and GIM is there any particular price you would suggest before selling these. I plan to replace them with VET, Enbridge and CDZ as per your recommendations. Thanks.

Shyam
Read Answer Asked by Shyam on January 12, 2014
Q: Hi Peter,
When checking out a stocks financials under % RETURN, what does Com. Eq. stand for, and how important is it ? THANKS!
Read Answer Asked by Terry on January 12, 2014
Q: I'm thinking of investing in a couple of ETFs. I'm trying to understand the fee structure. On Fees and expenses it gives an Actual Management Fee percentage and an Actual Mgmt Expense Ratio(MER). How do these 2 Fees relate to my costs of buying and holding on to an ETF
Read Answer Asked by david on January 11, 2014
Q: I am looking at your Dec/13 summary and under 5i A+ to B- returns you show a 66.5% return since inception. Does this return include dividends and what is the date of inception.
Read Answer Asked by Jacques on January 11, 2014
Q: BMO Investorline was the first one out with RDSP account, but they only allow mutual fund investment.
TD Waterhouse allow investment in stocks, debenture, mutual funds, fixed income, options etc for RDSP account. However, all trades have to be phoned in, instead of online. But commission are charged at online rate.
Fed has allowed RDSP transfer to different brokers since 2 years ago.
Read Answer Asked by Kevin on January 10, 2014
Q: Re Edward's comment about not being able to purchase individual equities in an RDSP. This is probably because he opened it through a BMO retail banking branch/outlet. I know TD/Waterhouse (brokerage A/C) allows this as per the following from www.tdwaterhouse.ca/products-services/investing:

"Over and above our industry-leading GICs, term deposits and mutual funds, you can invest in a wide selection of qualified investments including —

A wide range of mutual funds from other leading
fund companies
Fixed income investments and third party GICs
Canadian, U.S. and foreign equities,
including new issues"

I'm sure the same can be done through a BMO brokerage as well.
Read Answer Asked by Scot on January 10, 2014
Q: Brenda's question about stock selection for an RDSP implies that individual stocks can be purchased in her RDSP. When I set up my registered disability savings accounts (unfortunately 3 accounts) I was unable to find a self-directed RDSP in which I could purchase individual stocks. Thus, I currently hold only BMO mutual funds in these accounts. I would happily open a RDSP accounts in any financial institution that offers plans that permit individual stock purchases.
Peter, this forum is invaluable.
Read Answer Asked by Ed on January 10, 2014
Q: Tx 4 ACQ, great site, but you sign me off too fast - I use 2 computers & this site is gone when I need it. How do I get longer static time?
Bill
Read Answer Asked by Bill on January 10, 2014
Q: I have 5600.00 to invest in my TFSA. Currently have these holdings with following % of total portf.: AW.UN (19.5%); BYD.UN (22.6%); CGX (15.2%); DH (12.5%); FRU (17%) & IPL (13%). I am 61 years old and retired. My focus is preservation of capital, safe dividend paying stocks and some growth. Could you suggest what would you consider appropriate to add (or replace) to my TFSA given my focus and what is already in this portfolio.

Thanks,
Joseph
Read Answer Asked by Joseph on January 10, 2014
Q: I really appreciate your spreadsheets would it be possible to add a column for payout ratios as many of your stocks are divided payers. This would be a great service as this often difficult to find quickly. Thank you again for your great service.
Mike
Read Answer Asked by Mike on January 09, 2014
Q: Hi What would happen if the us dollar droped substantially and created hyperinflation? What would the effect be to the canadian dollar and market? Would gold and silver go up and would it be better to hold the equities or the physical commodities?
Read Answer Asked by Ken on January 09, 2014
Q: Hi Peter and 5iResearch Team,
Is there any tax issue or other negative factor which should be considered with holding US dividend paying stocks in a TFSA. Thank you. Linda
Read Answer Asked by Linda on January 09, 2014
Q: From research on Sedar.com it seems former CEO Michaluk and CFO MacKenzie of Poseidon are laying low in the business world due to a Class Action lawsuit commenced by investors in NY in Feb 2013, and if I were ever a shareholder I would join it for the cost of a postage stamp. Often you'll get a small cheque out of the blue and long after.

My final question on PSN: Beyond the obvious such as don't get overweight on small caps and sometimes you will have things blow up in your portfolio, what, if anything, can a small investor learn from this debacle? Thanks, J.
Read Answer Asked by Jeff on January 09, 2014
Q: Have just renewed. Thank you for such sound advice. I have been financially " guiding" my employed 38 year old daughter for some time. She has $20,000 to place in a non registered account and about$15,000 cash in her TFSA . I have been keeping notes from your Q & A, your portfolio and other research. In her non registered, she has XDV;XIU and a dividend mutual fund. Feel free to suggest weightings , long term horizon, which of the following would you suggest for non registered and TFSA (Or as you like, make any substitutions):
BCE; CGX; BNS; SLF;PWF;T; CBO; BEP.UN; IWO.
Thanks for your input.
Paul
Read Answer Asked by Paul on January 09, 2014
Q: Hello 5i, for tax loss selling if you own common shares of the same company in your cash account and in your self directed RSP account can you sell only the cash account shares and claim the loss in the cash account and not sell the shares in the self directed RSP account as you cannot claim tax loss selling from the Self directed RSP account.
Thanks
Michael
Read Answer Asked by Michael on January 09, 2014
Q: On the 5i-Research-Summary-Dec-13-Excel document:
It shows around 80 stocks listed.
Is that roughly the total number of stocks tracked at any one time ?
When stocks are deleted are they marked or shown anyplace ?
Thanks
Read Answer Asked by TRINH on January 08, 2014
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